Less interest, less juggling, and room to breathe.
Monthly cash flow
Card minimums, a car loan and a personal loan can easily swallow $2,000 a month. Consolidated at home-loan rates, the same debts often cost half that, and the difference goes to actually paying them down.
The interest bleed
At 20%, a $15,000 card balance costs about $250 a month in interest alone before a dollar of debt is repaid. The same balance inside your mortgage costs a fraction of that, so your repayments finally bite.
Your borrowing position
Lenders assess card limits and loan repayments harshly. Clearing them doesn't just reduce stress: it restores borrowing power for the next thing, whether that's an upgrade or an investment property.
A low rate over 30 years can cost more than a high rate over 5. We structure around that.
Map every debt
A 30-minute call to list balances, rates and repayments, check your equity and confirm which lenders will take your situation, including specialist options if recent history is untidy.
Structure the split
The consolidated debts go into their own split with a short payoff term, not smeared across 30 years. Your home loan stays clean, and the low rate actually translates into interest saved.
Close the old accounts
Cards get closed or limits slashed at settlement, so the debt can't quietly rebuild behind the consolidation. Rate Watch™ then reviews the whole structure every year, free.
Hear from our happy homeowners.
What people ask about consolidating.
Which debts can be consolidated into a home loan?
Most unsecured and vehicle debts: credit cards, car loans, personal loans, buy-now-pay-later balances and, with some lenders, ATO debt. The total lending usually needs to stay under 80% of your property value, and lenders cap how many debts or how much of the loan can be consolidation.
Will I actually save money, or just pay for longer?
Both are possible, and this is the trap. Moving a 20% card to a 6% home loan saves interest only if you do not stretch the repayments over 30 years. We structure the consolidated portion as a separate split over a short term, so you keep the low rate and the short payoff.
Does debt consolidation hurt my credit score?
The refinance itself involves a credit enquiry, which has a small short-term effect. Closing multiple maxed-out cards and replacing missed payments with one manageable repayment typically improves your position over the following months.
Can I consolidate if I have missed payments or high card balances?
Often, yes. Mainstream lenders want clean recent conduct, but several specialist lenders exist precisely for this situation, sometimes as a two-step: consolidate with a specialist now, refinance to a mainstream rate after 12 months of clean history. We map the realistic path in the first call.
One call. One repayment. A plan to be rid of it.
A free 30-minute call with Nathan: what you're really paying now, what it looks like consolidated, and the shortest safe path between the two.